At a glance
- Pricing
- Rates on application
- Purchase rate
- 13.95%
- Cash advance
- 13.95%
- Interest-free days
- 44
- Foreign transaction fee
- 3.65%
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advance6 month introductory rate for 8.99% for Non | — | — | — | 13.95% | — | — |
| Introductory6 month introductory rate for 8.99% for Non | — | 6 mo intro | — | 4.96% | — | — |
| Purchase6 month introductory rate for 8.99% for Non | — | — | — | 13.95% | — | — |
§ 02 — Fees · 7
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| CARD_REPLACEMENT_FEE | Event | $10 | — | There is a $10 replacement fee for members ordering a replacement card except if it is a faulty card, the card has worn out prematurely or the member is going on holidays at the time of renewal. |
| DISPUTED_CARD_TRANSACTION_FEE | Event | $25 | — | Disputed transactions - fee not charged if found to be merchant error |
| LATE_PAYMENT_FEE | Event | $15 | — | — |
| SILVER_CREDIT_CARD_ANNUAL_FEE | Event | No fee | — | — |
| EMERGENCY_OVERSEAS_CARD_REPLACEMENT_FEE | Upfront | $175 | — | — |
| EMERGENCY_OVERSEAS_CASH_FEE | Upfront | $175 | — | — |
| INTERNATIONAL_TRANSACTION_CURRENCY_CONVERSION_FEE | Withdrawal | 3.65% of transaction | — | International transaction currency conversion fee |
§ 03 — Features
PayIDFraud protectionBalance transfers44 interest-free daysApple PayGoogle PayFitBit PayGarmin PaySamsung Pay
- · Minimum repayments : 2.5% of the statement closing balance outstanding, or $20; whichever is greater. If the closing balance is less than $20, it must be paid in full.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Amount $1,000 to $10,000
- · BankVic member
§ 06 — Run the numbers
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Published by BankVic under the Consumer Data Right, last changed by them on 21 Nov 2025. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.